Shopify Payments Terms of Service

The Terms and Conditions described here constitute a legal agreement (“Agreement”) between you
(if your business is a sole proprietorship) or your business (if you are signing up on behalf of
a corporation or other legal entity) (the “Merchant”, “you” or “your”) and Shopify Payments (Canada) Inc.,
a Canadian corporation with offices at 150 Elgin Street, 8th Floor, Ottawa, ON K2P 1L4, Canada
(“Shopify”, “we”, “us”, or “our”).

A. The Shopify Payments Service

Our Role
The Shopify Payments service (“Shopify Payments” or the “Services”) is a (i) payment account
boarding; (ii) payment underwriting; and (iii) payment data transmission service that helps you
integrate with a payment processor (the “Processor”) as described more fully in this Agreement.
The Services may also apply to your use of point-of-sale equipment (“POS Equipment”), subject to
availability and to your election to procure the same. You hereby appoint us as your agent to deliver
information and instructions on your behalf to the Processor.

Under the separate Shopify Terms of Service
(the “Shopify Terms”), Shopify Inc. provides you with online storefront, shopping cart, store
management, marketing, SEO and other services (collectively, the “Shopify Services”).

Neither Shopify Inc. nor Shopify Payments (Canada) Inc. is a bank, payment institution or money
services business, but are instead, respectively, a supplier of the Shopify Services supplied under the
Shopify Terms and of the Services under this Agreement.

The Processor
The Processor is Stripe Payments Canada, Ltd., a British Columbia limited liability corporation, which
is a technical service provider and may offer the services as an agent of one or more financial
institutions in Canada (each, a “Financial Services Provider”). The processing and settlement of your
Transactions (as defined below) (“Payment Processing”) are carried out by the Processor and any of the
Financial Services Providers under a separate Stripe Connected Account Agreement, including the Canada Terms of Service and the applicable Financial Services Terms
(collectively, the “Processor Terms”). By accepting this Agreement, you are also accepting and agreeing
to be bound by the Processor Terms which are a legal agreement between you and the Processor.

Shopify is not a party to the Processor Terms and is not liable to you in respect thereof. By accepting
this Agreement and the Processor Terms you are agreeing to the creation of an account with the Processor
for Payment Processing (the “Processor Account”). We reserve the right to change the Processor, subject
to the terms of our agreement with Processor. In the event of any inconsistency between this Agreement
and the Processor Terms, this Agreement shall prevail, except in the event of any inconsistency between
this Agreement and the Processor Terms concerning Payment Processing or the Processor Account, in which
case the Processor Terms shall prevail.

The Processor’s role is to accept and process credit card, debit
card and other types of payments (collectively “Cards”) with respect to sales of your products and
services through internet-based transactions (“Card Not Present Transactions" or “CNP Transactions”).
If applicable, POS Equipment permits transmission of data to the Processor from in-person, point-of-sale
transactions (“Card Present Transactions" or “CP Transactions”) as well as manually entered transactions
(“Keyed Transactions”). CNP Transactions, CP Transactions and Keyed Transactions shall be referred to
herein, collectively, as “Transactions”.

Your Role
To utilize the Services, you must be a business located in Canada.

The Services
Shopify hereby grants you a non-exclusive, non-transferable, non-sublicensable, limited, revocable right
to use the Services (the “License”). The License shall be for the term of this Agreement only. Neither
the License nor any other provision hereof shall grant any rights in the Services or other intellectual
property rights except the limited License of use set out above.

You shall not: (i) permit any third party to access the Services, including but not limited to your
Shopify Admin, except as permitted herein and to carry out Transactions; (ii) create derivate works
based on the Services; (iii) copy, frame or mirror any part of the content of the Services, other than
copying or framing for your internal business purposes, (iv) reverse engineer, disassemble, decompile or
otherwise attempt to discover the source code or trade secrets for any of Services; or (v) access the
Services in order to build a competitive product or service.

It is your responsibility to obtain your customers’ consent to be billed for each Transaction or, as the
case may be, on a recurring basis, in compliance with applicable legal requirements and
Visa Europe Ltd., Visa U.S.A., Inc., Visa Canada Inc. and Visa International (collectively, “Visa”) and
MasterCard International Incorporated (“MasterCard”), American Express or other applicable Card network
(such networks being, collectively, the “Payment Networks”) payment rules (the “Payment Network Rules”).

POS Equipment
You may elect to purchase POS Equipment from Shopify or its affiliates that will allow you to accept CP
Transactions and Keyed Transactions. POS hardware may be purchased on the Shopify hardware store located
here (the “POS Equipment Store”). POS software may be
downloaded for iOS devices from the Apple App Store, under the title “Shopify POS" or “Shopify”. Your
use of the Shopify POS hardware and software is subject to the applicable sections of the Shopify Terms
of Service.

Payment Methods
The Services support most Payment Network Cards including credit, debit, pre-paid, or gift cards.
You assume sole and exclusive responsibility for the use of the Services. You also assume sole and
exclusive responsibility for Transactions under the Processor Terms. You are solely responsible for
verifying the identity of customers and of the eligibility of a presented payment Card used to purchase
your products and services, and Shopify does not guarantee or assume any liability for Transactions
authorized and completed which may later be reversed or charged back (See section D5 below).
You are solely responsible for all reversed or charged back transactions, regardless of the reason for,
or timing of, the reversal or chargeback. Shopify or the Processor may add or remove one or more types
of Payment Networks or Cards as a supported payment Card or Payment Network in their sole discretion at
any time without prior notice to you.

Customer Service
Shopify will use its commercially reasonable efforts to provide you with customer support to help
resolve issues relating to the Services. The Processor retains sole and exclusive responsibility for
Payment Processing of Transactions, including the settlement of funds, but Shopify will provide
reasonable assistance in liaising between you and the Processor concerning the Payment Processing
services. You assume sole and exclusive responsibility for providing customer service or support to your
customers for any and all issues related to your products and services, including, but not limited to,
issues arising from the processing of customers’ Cards through the Services.

Taxes
You have sole and exclusive responsibility to determine what, if any, taxes apply to the sale of your
goods and services and/or the payments you receive in connection with your use of the Services
(“Taxes”). It is solely your responsibility to assess, collect, report, or remit the correct Taxes to
the proper tax authority, whether in customers’ jurisdictions, your jurisdiction or elsewhere. We are
not obligated to, nor will we, determine whether Taxes apply, or calculate, collect, report, or remit
any Taxes to any tax authority arising from any Transaction. Shopify retains the right, but not the
obligation, at its sole discretion, to complete and file tax or related reports with tax authorities
regarding Transactions in those jurisdictions where Shopify deems such reporting necessary. You hereby
indemnify and hold Shopify harmless from and against any and all liability related to Taxes and filings
made by Shopify in respect thereof. You agree that we may send you any tax-related information
electronically.

Your Customers
If prohibited by law, you will not impose any fee or surcharge on a customer that seeks to use an
eligible payment Card. You will provide a receipt to your customer at the conclusion of the purchase
Transaction that includes all information required under Payment Network Rules and applicable law.

Security
We maintain commercially reasonable administrative, technical and physical procedures to protect all the
personal information regarding you and your customers that is stored in our servers from unauthorized
access, accidental loss or modification. Shopify cannot, however, guarantee that unauthorized third
parties will never be able to defeat those measures or use such personal information for improper
purposes.

Data Security
You assume full responsibility for the security of data on your website or otherwise in your possession
or control. You agree to comply with all applicable laws and rules in connection with your collection,
security and dissemination of any personal, financial, Card, or Transaction information (collectively,
“Data", and as pertains to your customers, “Cardholder Data”). You agree that at all times you shall be
compliant with applicable Payment Card Industry Data Security Standards (“PCI-DSS”) and as applicable,
Payment Application Data Security Standards (“PA-DSS”). You agree to promptly provide Shopify with
documentation evidencing your compliance with PCI-DSS and/or PA-DSS upon request. You also agree that
you will use only PCI-DSS and PA-DSS compliant service providers in connection with the storage, or
transmission of Card information, including cardholder’s account number, expiration date, and CVV2.
You must not store CVV2 data at any time. Information on PCI-DSS can be found on the PCI Council’s
website. It is your responsibility to comply with these
standards and all the Payment Network Rules.

Audit Right
If Shopify believes that a security breach or compromise of Data may have occurred, Shopify may require
you to have a third party auditor, that is approved by Shopify, conduct a security audit of your systems
and facilities and issue a report to be provided to Shopify, and, at Shopify’s discretion, to Processor,
its Financial Services Provider, Payment Networks and law enforcement, at your sole cost and expense.

Privacy
Your privacy and the protection of your data are very important to us. You acknowledge that you have
received, read in full and agree with the terms of our Privacy Policy and the Processor’s Privacy Policy. Our Privacy Policy is hereby incorporated into this Agreement.
Shopify’s Privacy Policy and the Processor’s Privacy Policy contain important information about the
collection, use, retention and disclosure of personal information as well as other important matters and
explains how and for what purposes we and the Processor collect, use, retain, disclose and safeguard the
information you provide to us. You also acknowledge that the Processor is required to report your
business name and the name of your principals to the Member Alert To Control High-Risk merchants list of
MasterCard (“MATCH List”) maintained by MasterCard and accessed and updated by American Express, to the
VMAS database upheld by Visa Europe and/or to the Consortium Merchant Negative File maintained by
Discover, if applicable, pursuant to the requirements of the Payment Network Rules.

We will at all times comply with the provisions of applicable data protection law. If we process any
personal data on your behalf when performing our obligations under this Agreement, we and you both agree
that it is our intention that you shall be the data controller and we shall be the data processor in
relation to that data. We shall process the personal data only in accordance with the terms of this
Agreement and any lawful instructions reasonably given by you to us from time to time.

We will notify you (within a reasonable time frame) if we receive a request from a person to have access
to or to erase that person’s personal data, a complaint or request relating to your obligations under
applicable data protection legislation, or any other communication relating directly to the processing
of any personal data in connection with this Agreement.

We will provide you with reasonable cooperation and assistance in relation to any complaint or request
made in respect of any personal data processed by us on your behalf, including by providing you with
details of the complaint or request, helping you to comply with any data subject access requests
(within the relevant timescales set out in applicable data protection legislation) and providing you
with any personal data we hold in relation to a person making a complaint or request
(again, within a reasonable timescale).

You acknowledge that we are relying on you for direction as to the extent to which we are entitled to
use and process the personal data in the Cardholder Data that you provide us with. Consequently, we will
not be liable for any claim brought by a data subject arising from any action or omission by us, to the
extent that such action or omission resulted from your instructions.

You consent to the exchange of your information between the account you have established through the
Shopify Services and the Shopify Payments account established under this Agreement; Shopify will
commingle such accounts and refers to them, together, in this Agreement as the “Shopify Payments
Account”.

In order to process, use, record and disclose your personal information, information related to your
business and Data, we or our agents may transfer such information to and receive it from the Processor,
its Financial Services Provider or their respective agents, and in so doing we may transmit or possess
it outside of your jurisdiction. Additionally, in order to provide the Services, we use a variety of
third party “sub-processors” that fall into many broad categories—for example, we use sub-processors to
help us: protect you and Shopify from potentially risky transactions, security threats, or fraud;
perform administrative tasks; deliver portions of the Services (for example, third parties that work
with us to actually process credit card payments, or conduct any shipping); develop and improve our
products and the Services; generate analytics or other information relating to the Services; and build
our technical infrastructure (for example, using cloud storage providers, or information security
vendors). By using the Services, you consent to our use of sub-processors, which is described in more
detail in our Privacy Policy.

Privacy of Others
You represent to us that you are in compliance with all applicable privacy laws, and that you maintain a
publicly-accessible privacy policy that accurately discloses how you collect, use, and disclose personal
data, including through the Services. Additionally, you represent to us that you have obtained all
necessary rights and consents under applicable law to allow us and the Processor to collect, use,
retain and disclose any Cardholder Data that you provide to or authorize us to collect, including
information that we may collect directly from you of your customers via cookies or other means, and to
use that data to provide the Services (for example to process Transactions, and to screen for fraud or
compliance purposes). Further, you represent that we will not be in breach of any such laws by
collecting, receiving, using and disclosing such information in connection with the Services as
described in our Privacy Policy. As between the parties to this
Agreement, you are solely responsible for disclosing to your customers that we will collect and process
their Cardholder Data in our supply of the Services to you and that in so doing we may transmit or
possess it outside of your or their jurisdiction and that it may be subject to disclosure as required by
applicable law.

If you receive information about others, including cardholders and other customers, through the use of
the Services, you must keep such information confidential and only use it in connection with the
Services or as otherwise permitted by the subject of such information.

You may not disclose or distribute any such information to a third party or use any such information for
marketing purposes unless you receive the express consent of the subject thereof to do so. You may not
disclose Cardholder Data to any third party, other than in connection with processing a Card Transaction
requested by your customer.

Restricted Use
You are required to obey all laws, rules, and regulations applicable to your use of the Services (for
example, including those governing financial services, consumer protections, unfair competition,
anti-discrimination or false advertising). In addition to any other requirements or restrictions set
forth in this Agreement, you shall not: (i) utilize the credit available on any Card to provide cash
advances to cardholders, (ii) submit any Card Transaction for processing that does not arise from your
sale of goods or service to a customer, (iii) act as a payment intermediary or aggregator or otherwise
resell our services on behalf of any third party, (iv) send what you believe to be potentially
fraudulent authorizations or fraudulent Card Transaction, or (v) use the Services or the Payment
Processing services in a manner that a Payment Network reasonably believes to be an abuse of the Payment
Network or a violation of Payment Network Rules.

You further agree not to, nor to permit any third party to, do any of the following: (i) access or
attempt to access our systems, programs or data that are not made available for public use: (ii) copy,
reproduce, republish, upload, post, transmit, resell or distribute in any way material from us; (iii)
permit any third party to use and benefit from the Services via a rental, lease, timesharing, service
bureau or other arrangement; (iv) transfer any rights granted to you under this Agreement; (v) work
around any of the technical limitations of the Services, use any tool to enable features or
functionalities that are otherwise disabled in the Services, or decompile, disassemble or otherwise
reverse engineer the Services, except to the extent that such restriction is expressly prohibited by
law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the
Services, prevent access to or use of the Services by our other users, or impose an unreasonable or
disproportionately large load on our infrastructure; or (vii) otherwise use the Services except as
expressly allowed under this section.

Suspicion of Unauthorized or Illegal Use
We reserve the right to not provide Services in respect of any Transaction you submit which we believe
in our sole discretion is in violation of this Agreement, any other Shopify or Processor agreement, or
exposes you, Shopify or Processor or any other third party to actual or potential risk or harm,
including but not limited to fraud and other criminal acts. You are hereby granting us authorization to
share information with law enforcement about you, your Transactions, or your Shopify Payments Account.

Payment Network Rules
The Payment Networks have established guidelines, bylaws, rules, and regulations in the form of the
Payment Network Rules. You are required to comply with all applicable Payment Network Rules. The
Payment Network Rules for Visa, MasterCard and American Express are available on the Internet at the
following links: Visa,
MasterCard and
American Express.
The Payment Networks may amend the Payment Network Rules at any time and without notice to us or to you.
Insofar as the terms of this Agreement and/or the Processor Terms are inconsistent with the Payment
Network Rules, the Payment Network Rules shall prevail. We reserve the right to amend this Agreement at
any time, with notice to you, as may be necessary to comply with the Payment Network Rules.

Disclosures and Notices
You agree that Shopify can provide disclosures and notices, including tax forms that we deem
appropriate, regarding the Services to you by posting such disclosures and notices in your Shopify Admin
on our website, emailing them to the email address listed in your Shopify Account, or mailing them to
the address listed in your Shopify Account. You also agree that electronic disclosures and notices have
the same meaning and effect as if we had provided you with a paper copy. Such disclosures and notices
shall be considered to be received by you within 24 hours of the time it is posted to your Shopify Admin
on our website or emailed to you unless we receive notice that the email was not delivered.

Automatic Reminders
We may use automated telephone dialing, text messaging systems and email to provide messages to you
about your Shopify Payments Account. The telephone messages may be played by a machine automatically
when the telephone is answered, whether answered by you or another party. These messages may also be
recorded by your answering machine or voicemail. You give us permission to call or send a text message
to any telephone number which you have given us and to play pre- recorded messages or send text messages
with information about this Agreement or your account over the phone. You agree that we will not be
liable to you for any such calls or electronic communications, even if information is communicated to
an unintended recipient. You understand that, when you receive such calls or electronic communications,
you may incur a charge from the company that provides you with telecommunications, wireless and/or
Internet services. You agree that we have no liability for such charges. You agree to immediately notify
us if you change telephone numbers or are otherwise no longer the subscriber or customary user of a
telephone number or email address you have previously provided to us.

B. Getting a Shopify Payments Account

Registration
The Services are only made available to persons in Canada that operate a business selling goods and
services. You may not use the Services for non-commercial, personal, family or household purposes. To
use Shopify Payments for your business, you are required to register for a Shopify Payments Account.
When you register for a Shopify Payments Account, we will collect information such as your name if you
are a sole proprietor, your business or trade name, your address, email, phone number, business
identification or registration number, and certain other information that we require. We may also
collect personal information (including name, birthdate, and government-issued identification number)
about your beneficial owners or principals.

You may register as an individual (sole proprietor) or as a corporation or other legal entity. If you
register as a corporation or other legal entity, you must be authorized to act on behalf of such entity,
have the authority to bind the entity to this Agreement, and you must agree to this Agreement on behalf
of such entity. If you have so agreed, the term “Merchant”, “you” or “your” will mean you, the natural
person acting as a business if you are a sole proprietor, or if you have registered as a corporation or
other legal entity, it will mean that entity. You understand that by registering for a Shopify Payments
Account, you are also registering for a Processor Account under the Processor Terms, and that you are
simultaneously providing your information to Shopify for the purpose of opening a Shopify Payments
Account, and to Processor for the purpose of establishing your Processor Account.

Company Descriptions and Site URL
As part of your registration, you must provide the name under which you do business (which may be the
business’s legal name or a “doing business name”) (e.g. MyStore Online Widgets), and a
billing descriptor. These two fields and your site URL (e.g. www.mystore.com) may appear in your
customers’ credit or debit Card statements. To avoid customer confusion and Transaction disputes, it is
important that you enter a description that clearly identifies your business. You hereby agree to
indemnify us from any costs, liabilities, losses or expenses from disputes due to your failure to do so.

Verification and Underwriting
To verify your identity, we may, at our discretion, require additional information including your
company registration number or business number, your HST, GST or tax number, and if applicable, your
date of birth. We may also ask for additional information to help verify your identity and assess your
business risk including but not limited to business invoices, reseller authorization or distributor
information, a driver’s license or other government issued identification, or business license, for you
or for any of the owners or principals of your business. We may ask you for your financial statements.
We may request your permission to do a physical inspection at your place of business and to examine
books and records that pertain to your compliance with this Agreement. Your failure to comply with any
of these requests within five (5) days may result in suspension or termination of your Shopify Payments
Account and Processor Account. You authorize us to retrieve additional information about you from third
parties and other identification services.

After we have collected and verified all your information, we will review your account and determine if
you are eligible to use the Services. We will notify you once your Shopify Payments Account has been
either approved or deemed ineligible for use of the Services.

By accepting the terms of this Agreement, you are providing us with authorization to retrieve
information about you by using third parties, including credit bureaus and other information providers.
You acknowledge that such information retrieved may include your name, address history, credit history,
and other data about you. We may periodically update this information to determine whether you continue
to meet the eligibility requirements for a Shopify Payments Account.

You agree that Shopify is permitted to contact and share information about you and your application
(including whether you are approved or declined), your Shopify Payments Account and Processor Account
with the Processor and other third parties in order to perform the Services. This includes sharing
information (i) about your Transactions for regulatory or compliance purposes, (ii) for use in
connection with the management and maintenance of the Services, (iii) to create and update our and their
customer records about you and to assist us and them in better serving you, and (iv) to conduct our and
their risk management process.

Designated Country
In registering for a Shopify Payments Account, you are obliged to identify the location from where you
are operating the business that will use the Services in Canada. By registering for a Shopify Payments
Account, you are confirming that you are either a legal resident of Canada or you are duly licensed as a
business entity authorized to conduct business in Canada. The Services and Shopify Payments Account may
only be used in Canada.

By accepting this Agreement you confirm that you will satisfy these requirements.

Prohibited Businesses
The following categories of businesses and business practices are prohibited from using the Shopify Payments
Service (“Prohibited Businesses”). Prohibited Business categories may be imposed through Payment Network Rules
or the requirements of the Processor’s Financial Services Providers. The types of businesses listed below are
representative, but not exhaustive. If you are uncertain as to whether your business is a Prohibited Business,
or have questions about how these requirements apply to you, please
contact us. We may add to or update the Prohibited Business list at any
time.

Virtual currency that can be monetized, resold, or converted
to physical or digital products and services or otherwise exit
the virtual world (e.g., Bitcoin); sale of stored value,
quasi-cash or credits maintained, accepted and issued by anyone
other than the seller

IP Infringement, regulated or illegal products and services

Intellectual property or proprietary rights
infringement

Sales, distribution, or access to counterfeit music, movies,
software, or other licensed materials without the appropriate
authorization from the rights holder; any product or service
that infringes or facilitates infringement upon the trademark,
patent, copyright, trade secrets, or proprietary or privacy
rights of any third party; use of Shopify intellectual property
without express consent from Shopify; use of the Shopify name or
logo including use of Shopify trade or service marks
inconsistent with the
Shopify Trademark Usage Guidelines,
or in a manner that otherwise harms Shopify or the Shopify
brand; any action that implies an untrue endorsement by or
affiliation with Shopify

Counterfeit or unauthorized goods

Unauthorized sale or resale of brand name or designer
products or services; sale of goods or services that are
illegally imported or exported

Unfair, predatory, or deceptive practices

Platforms that facilitate the publication and removal of
content (such as mug shots), where the primary purpose of
posting such content is to cause or raise concerns of
reputational harm

No-value-added services

Sale or resale of a service without added benefit to the
buyer; resale of government offerings without authorization or
added value; sites that we determine in our sole discretion to
be unfair, deceptive, or predatory towards consumers

Products or services that are otherwise prohibited by our financial partners

Aggregation

Engaging in any form of licensed or unlicensed aggregation
of funds owed to third parties, factoring, or other activities
intended to obfuscate the origin of funds

Drug paraphernalia

Any equipment designed for making or using drugs, such as
bongs, vaporizers, and hookahs

Sale of Twitter followers, Facebook likes, YouTube views,
and other forms of social media activity

Substances designed to mimic illegal drugs

Sale of a legal substance that provides the same effect as
an illegal drug (e.g., salvia, kratom)

Video game or virtual world credits

Sale of in-game currency unless the merchant is the operator
of the virtual world

Use of Shopify Payments in a manner
inconsistent with its intended use or as expressly prohibited in
the Terms of Service

Use of Shopify Payments principally as a virtual terminal
(e.g., submitting card transactions by manually inputting card
information); processing where there is no bona fide good or
service sold, or donation accepted; card testing; evasion of
card network chargeback monitoring programs; sharing cardholder
information with another merchant for payment of upsell or
cross-sell product or service; offering substantial rebates or
incentives to the cardholder subsequent to the original
purchase

C. Fees

Shopify Payments Fees
You agree to pay the fees for Processing that are set out in your Shopify Admin on our website which
are incorporated herein by reference (the “Processing Fees”). Processing Fees shall be collected
from you by Processor on our behalf in accordance with the terms of the Stripe Connected Account
Agreement

If you choose to purchase and/or use POS Equipment from us, you agree to pay the fees that are set out
here and here (the “POS
Equipment Fees”).

Fees for Shopify Services are collected by Shopify pursuant to the
Shopify Terms (the “Shopify Service Fees”).

Processing Fees, POS Equipment Fees and Shopify Service Fees shall be referred to herein collectively as
the “Fees”.

You are obligated to pay all applicable taxes, fees and other charges imposed by any governmental
authority, including without limitation any value added tax, goods and services tax, harmonized sales
tax and/or provincial or territorial sales tax, on the Services provided under this Agreement. If you
are tax-exempt, you will provide us with an appropriate certificate or other evidence of tax exemption
that is satisfactory to us.

We reserve the right to change the Fees at any time, subject to a thirty (30) day notice period to you
in accordance with Section A18, above. If you continue to use the Services and Processor Services for
such thirty (30) days then you are deemed to have accepted the change in Fees contemplated by such
notice.

In addition to the Fees, you are also responsible for any penalties and fines imposed on you or on us by
any bank, money services business, payment network, financial institution, or other financial
intermediary resulting from your use of the Services in a manner not permitted by this Agreement or by
such financial intermediary’s rules and regulations.

Security Interest
As security for performance of your obligations under this Agreement, you grant us a first priority
lien and security interest in (and in Quebec, a hypothec on), all funds processed and deposited into
all Payout Accounts (as defined in the Processor Terms) and any other bank accounts associated with your
Processor Account, and in any funds processed using the Payment Processing services. These security
interests and liens (and hypothecs) will secure payment and performance of all of your obligations under
this Agreement and any other agreements now existing or later entered into between us and you including
without limitation your obligation to pay any amounts due and owing to us. The hypothec created pursuant
to this section is granted for the sum of fifty million dollars with interest at the rate of twenty five
percent per annum. This amount and this rate are a formal amount and formal rate to satisfy requirements
of law in Quebec and do not affect the amount of the actual obligations you owe to us. You will execute,
deliver, and pay the fees for any documents we request to create, perfect, maintain and enforce this
security interest.

Pre-Authorized Debits (“PADs”)
You authorize us and our respective vendors and agents to initiate debit and credit entries to the bank
account associated with your Processor Account (the “Bank Account”), or any other account maintained by
you at any institution that is a member of the Canadian Payments Association, all in accordance with
this Agreement. You agree that any withdrawal by us and our vendors and agents in accordance with this
Agreement are PADs for business purposes, as defined under Rule H1 of the Canadian Payments Association.
You hereby waive the right to receive advance notice from us and our vendors and agents of any and all
such debits. This authorization will remain in effect after termination of this Agreement and until all
of your obligations to us have been paid in full. If you change the Bank Account, this PAD authorization
will apply to the new account and you shall provide us in writing such information regarding the new
account as we deem necessary. Such new account shall thereafter be and become the “Bank Account” for the
purpose of this Agreement. It may take us up to ten (10) business days after receipt of a written notice
from you to reflect in our system any change to the Bank Account. If you change the Bank Account, you
agree that you are responsible for all costs incurred by us in connection with your decision to change
the Bank Account. You may revoke this PAD authorization upon thirty (30) days’ prior written notice to
us, but any such revocation shall constitute a material breach of this Agreement. You may obtain a
sample cancellation form, as well as further information on your right to cancel a PAD authorization by
contacting your financial institution or by visiting www.cdnpay.ca. You have certain recourse rights if
any debit does not comply with this PAD Agreement. For example, you have the right to receive
reimbursement for any debit that is not authorized or is not consistent with this PAD Agreement.
To obtain more information on your recourse rights, you may contact your financial institution or
visit www.cdnpay.ca.

Our Collection Rights
To the extent permitted by law, we may collect any obligations you owe us under this Agreement by
requesting that the Processor deduct the corresponding amounts from the Reserve Account (as such term is
defined in the Processor Terms) or from funds payable to you arising from the settlement of Card
Transactions, and remit such amounts to us on your behalf. If these amounts are not sufficient to meet
your obligations to us, we may charge or debit your Bank Account or credit card associated with your
Shopify Services account for any amounts owed to us. Your failure to fully pay amounts that you owe us
on demand will be a breach of this Agreement. You will be liable for our costs associated with
collection in addition to the amount owed, including without limitation attorneys’ fees and expenses,
costs of any arbitration or court proceeding, collection agency fees, and any applicable interest.

Additionally, we may require a personal guaranty from a principal of a business for funds owed under
this Agreement. If we require a personal guarantee we will specifically inform you in advance.

In addition to the amount due, delinquent accounts may be charged with fees that are incidental to the
collection of delinquent accounts and chargebacks including, but not limited to, collection fees and
convenience fees and other third party charges.

You hereby explicitly agree that all communication in relation to delinquent accounts will be made by
electronic mail or by phone, as provided to Shopify by you. Such communication may be made by Shopify or
by anyone on its behalf, including but not limited to a third party collection agent.

Contesting Chargebacks
You or Shopify may elect to contest chargebacks assessed to your account. Shopify may provide you with
assistance including notifications and software to help contest your chargebacks. We do not assume any
liability for our role or assistance in contesting chargebacks.

You grant us permission to share records or other information required with the Cardholder, the
Cardholder’s financial institution and your financial institution to help resolve any chargeback. You
acknowledge that your failure to provide us with complete and accurate information in a timely manner
may result in an irreversible chargeback being assessed.

If the Cardholder’s issuing bank or the Payment Network does not resolve a dispute in your favor, we
may recover the chargeback amount and any associated fees from you as described in this Agreement.

We reserve the right, upon notice to you, to charge a fee for mediating or investigating chargeback
disputes.

D. Termination and Other General Legal Terms

Term
The Agreement is effective upon the date you agree to it (by electronically indicating acceptance) and
continues so long as you use the Services or until terminated by you or by Shopify.

Termination
You may terminate this Agreement by closing your Shopify Payments Account at any time by following the
instructions on our website in your Shopify Admin. We may terminate this Agreement and close your
Shopify Payments Account at any time for any reason upon notice to you in accordance with Section A18
above. We may suspend your Shopify Payments Account and your access to the Services and any rights in
respect of your Shopify Payments Account, or terminate this Agreement at any time or for any reason,
including if (i) we determine in our sole discretion that you may be ineligible for the Services because
of the risk associated with your Shopify Payments Account, including without limitation significant
credit or fraud risk, or for any other reason; (ii) you do not comply with any of the provisions of this
Agreement or the Processor Terms; or (iii) upon request of Payment Network, Processor or a Card issuer.
Termination of the Processor Terms may, at the discretion of Shopify, result in a termination of this
Agreement. Termination of this Agreement shall entitle Shopify to cause Processor to terminate the
Processor Terms.

If Processor terminates the Processor Terms or indicates its intention to do so, or if you elect to
cease processing with such Processor, we have the right, but not the obligation, to offer you a
substitute payment processor that is integrated with the Shopify Payments Account. Upon your acceptance
of the terms of service of such substitute payment processor, they shall be deemed to have replaced the
Processor contemplated herein provided that your liabilities to the Processor herein shall not be
diminished on account of accepting the terms of the substitute payment processor.

Effects of Termination
Upon termination and closing of your Shopify Payments Account, we will immediately discontinue your
access to the Services. You agree to complete all pending Transactions, immediately remove all logos
for Cards, and stop accepting new Transactions through the Services. You will not be refunded the
remainder of any Fees that you have paid for the Services if your access to or use of the Services is
terminated or suspended. Any funds in the Financial Services Provider’s custody will be paid out to you
subject to the terms of your Payout Schedule (as defined in the Processor Terms).

Termination does not relieve you of your obligations as defined in this Agreement and Processor may
elect to continue to hold any funds deemed necessary pending resolution of any other terms or
obligations defined in this Agreement, including but not limited to chargebacks, Fees, refunds, or other
investigations or proceedings.

Upon termination you agree: (i) to immediately cease your use of the Services; (ii) to discontinue use
of any Shopify or Processor trademarks and to immediately remove any Shopify or Processor references and
logos from your website and/or physical location if applicable; (iii) that the license granted under
this Agreement shall end; (iv) that we reserve the right (but have no obligation) to delete all of your
information and account data stored on our servers; (v) we will not be liable to you for compensation,
reimbursement, or damages in connection with your use of the Service, or any termination or suspension
of the Services or deletion of your information or account data; and (vi) you will still be liable to us
for any Fees or fines, or other financial obligation incurred by you or through your use of the Services
prior to termination.

Ownership
The Services are licensed and not sold. We reserve all rights not expressly granted to you in this
Agreement. The Services are protected by copyright, trade secret and other intellectual property laws.
We own the title, copyright and other worldwide Intellectual Property Rights (as defined below) in the
Services and all copies of the Services. This Agreement does not grant you any rights to our trademarks
or service marks.

For the purposes of this Agreement, “Intellectual Property Rights" means all patent rights, copyright
rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark
rights, goodwill, trade secret rights and other intellectual property rights as may now exist or
hereafter come into existence, and all applications therefore and registrations, renewals and extensions
thereof, under the laws of any state, country, territory or other jurisdiction.

You may choose to or we may invite you to submit comments or ideas about the Services, including without
limitation about how to improve the Services or our products (“Ideas”). By submitting any Idea, you
agree that your disclosure is gratuitous, unsolicited and without restriction and will not place us
under any fiduciary or other obligation, and that we are free to use the Idea without any additional
compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone. You
further acknowledge that, by acceptance of your submission, we do not waive any rights to use similar or
related ideas previously known to us, or developed by our employees, or obtained from sources other than
you.

Your Liability and Indemnification Concerning Liabilities
Nothing in this Agreement shall serve to diminish your liability under the Processor Terms or Shopify
Terms. You are obliged to fulfill your obligations under this Agreement and those under the Processor
Terms and Shopify Terms.

Shopify has agreed to indemnify and hold Processor harmless for some, and in some cases, all, of your
liabilities occurring under the Processor Terms, including but not limited to Disputes (including but
not limited to chargebacks), Refunds, Reversals, Returns and Fines (as such terms are defined in the
Processor Terms). Insofar as Shopify becomes liable to Processor or any other third party for any
penalties, fines, fees or other liabilities under or in respect of the Processor Terms, the Services,
the Payment Processing services or the Payment Network Rules, you agree to indemnify and hold Shopify
harmless from and against any and all such liabilities.
Additionally, we may require a personal guaranty from a principal of a business for funds owed under
this Agreement.

You agree to indemnify and defend Shopify, our affiliates, and their respective employees, agents and
service providers (each, a “Shopify Entity”) against any claim, suit, demand, loss, liability, damage,
action or proceeding (each, a “Claim”) brought by a third party against a Shopify Entity, and you agree
to fully reimburse the Shopify Entities for any Claims that result from: (i) your breach of any
provision of this Agreement; (ii) any Fees, fines, penalties, Disputes, Reversals, Returns, chargebacks
(as such terms are defined in the Processor Terms) or any other liability we incur that results from
your use of the Services; (iii) negligent or willful misconduct of your owners, employees, contractors,
or agents; (iv) contractual or other relationships between you and your customers; or (v) third party
indemnity obligations we incur as a direct or indirect result of your acts or omissions, including but
not limited to indemnification of Processor or any Payment Network.

Your Representations, Warranties and Covenants
You represent and warrant to us that: (a) if you are a sole proprietor, you are at least eighteen (18)
years of age; or if you are a corporation or other entity, that the person entering into this agreement
on your behalf is at least eighteen (18) years of age, is authorized to act on your behalf, and has the
authority to bind you to this Agreement; (b) you are eligible to register and use the Services and have
the right, power, and ability to enter into and perform under this Agreement; and (c) the name
identified by you when you registered is your name or business name under which you sell goods and
services and the information that you have provided to us is accurate and complete.

You hereby covenant to us that: (a) any sales Transaction submitted by you will represent a bona fide
sale by you; (b) any sales Transactions submitted by you will accurately describe the goods and/or
services sold and delivered to a customer; (c) you will fulfill all of your obligations to each customer
for which you submit a Transaction and will resolve any disputes or complaints directly with your
customers; (d) you and all Transactions initiated by you will comply with all applicable laws, rules,
and regulations applicable to your business, including but not limited to any applicable tax laws and
regulations; (e) except in the ordinary course of business, no sales Transaction submitted by you
through the Services will represent a sale to any principal, partner, proprietor, or owner of your
entity; (f) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in
any manner so as to interfere with the use of the Services; (g) any information you provide to us will
be accurate and complete.

NO WARRANTIES
THE SERVICES AND ALL ACCOMPANYING DOCUMENTATION ARE PROVIDED ON AN “AS IS" AND “AS AVAILABLE" BASIS,
WITHOUT ANY WARRANTIES, EITHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED
WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. USE OF THE
SERVICES IS AT YOUR OWN RISK.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OR THROUGH THE SERVICES OR FROM
(I) SHOPIFY; (II) PROCESSOR, SUPPLIERS OR LICENSORS OF SHOPIFY OR PROCESSOR; OR (III) ANY OF THE
RESPECTIVE AFFILIATES, AGENTS, DIRECTORS AND EMPLOYEES OF ANY OF THE ENTITIES LISTED IN (I) OR (II)
ABOVE (COLLECTIVELY, THE “DISCLAIMING ENTITIES" AND INDIVIDUALLY A “DISCLAIMING ENTITY”), WILL CREATE
ANY WARRANTY. YOU SPECIFICALLY ACKNOWLEDGE THAT WE DO NOT HAVE ANY CONTROL OVER THE PRODUCTS OR SERVICES
THAT ARE PAID FOR WITH THE SERVICES, AND WE CANNOT ENSURE THAT YOUR CUSTOMERS WILL COMPLETE A
TRANSACTION OR ARE AUTHORIZED TO DO SO.

WITHOUT LIMITING THE FOREGOING, THE DISCLAIMING ENTITIES DO NOT WARRANT THAT THE INFORMATION THEY
PROVIDE OR THAT IS PROVIDED THROUGH THE SERVICES IS ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICES
WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION,
THAT THE SERVICES WILL FUNCTION IN AN UNINTERRUPTED MANNER OR BE SECURE; THAT ANY DEFECTS OR ERRORS WILL
BE CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY SUBJECT MATTER
DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DOWNLOADED AT YOUR OWN RISK AND YOU
WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY OR LOSS OF DATA THAT RESULTS FROM SUCH
DOWNLOAD. THE DISCLAIMING ENTITIES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT HOW LONG WILL BE NEEDED
TO COMPLETE THE PROCESSING OF A TRANSACTION.

THE DISCLAIMING ENTITIES DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR
SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES OR ANY HYPERLINKED WEBSITE OR
SERVICE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND NEITHER SHOPIFY, THE PROCESSOR NOR THE
FINANCIAL SERVICES PROVIDER WILL BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND
THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

Limitation of Liability and Damages
IN NO EVENT SHALL A DISCLAIMING ENTITY (AS DEFINED ABOVE) BE LIABLE FOR ANY LOST PROFITS, LOSS OF DATA,
OR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING OUT OF, IN
CONNECTION WITH OR RELATING TO THIS AGREEMENT OR THE SERVICES, INCLUDING WITHOUT LIMITATION THE USE OF,
INABILITY TO USE, OR UNAVAILABILITY OF THE SERVICES. UNDER NO CIRCUMSTANCES WILL ANY OF THE DISCLAIMING
ENTITIES (AS DEFINED ABOVE) BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING,
TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR YOUR SHOPIFY PAYMENTS ACCOUNT OR THE
INFORMATION CONTAINED THEREIN.

THE DISCLAIMING ENTITIES ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (A) PERSONAL INJURY OR PROPERTY
DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICES; (B) ANY
UNAUTHORIZED ACCESS TO OR USE OF SERVERS USED IN CONNECTION WITH THE SERVICES AND/OR ANY AND ALL
PERSONAL INFORMATION STORED THEREIN; (C) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE
SERVICES; (D) ANY SOFTWARE BUGS, VIRUSES, TROJAN HORSES, OR OTHER HARMFUL CODE THAT MAY BE TRANSMITTED
TO OR THROUGH THE SERVICES; (E) ANY ERRORS, INACCURACIES OR OMISSIONS IN ANY CONTENT OR INFORMATION, FOR
ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT OR INFORMATION, IN EACH CASE POSTED,
EMAILED, STORED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE SERVICES; AND/OR (F) USER CONTENT
OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY.

WITHOUT LIMITING THE FOREGOING PROVISIONS OF THIS SECTION D8, THE DISCLAIMING ENTITIES’ CUMULATIVE
LIABILITY TO YOU SHALL BE LIMITED TO DIRECT DAMAGES AND IN ALL EVENTS SHALL NOT EXCEED IN THE AGGREGATE
THE AMOUNT OF FEES PAID BY YOU TO SHOPIFY DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE
EVENT GIVING RISE TO THE CLAIM FOR LIABILITY.

THIS LIMITATION OF LIABILITY SECTION APPLIES REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED,
INCLUDING WITHOUT LIMITATION CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER
BASIS. THE LIMITATIONS APPLY EVEN IF SHOPIFY OR PROCESSOR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGE.

THE PROVISIONS OF THIS SECTION D8 SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE
JURISDICTION.

The Services are controlled and operated from facilities in Canada and the United States. We make no
representations that the Services are appropriate or available for use in other locations. Those who
access or use the Services from other jurisdictions do so at their own volition and are entirely
responsible for compliance with all applicable United States, Canadian, foreign and local laws and
regulations, including but not limited to export and import regulations. You may not use the Services if
you are a resident of a country embargoed by the United States, Canada or are a foreign person or entity
blocked or denied by the United States government or the Government of Canada.

Disputes; Choice of Law; Jurisdiction and Venue, Miscellaneous
You agree that any disputes arising out of or relating to this Agreement or the Services shall be
resolved in accordance with this Section D9.

This Agreement is governed by the laws of the Province of Ontario, Canada and the federal laws of Canada
applicable therein, except for the security interest or hypothec created pursuant to Section C2 above,
which will be governed by and construed in accordance with the laws of the applicable province in which
such security interest or hypothec is registered, and in each case without regard to its choice of law
provisions to the contrary. The exclusive venue for any actions or claims arising under or related to
this Agreement shall be a court of competent jurisdiction in Ottawa, Ontario, Canada.

Shopify may, or may direct Processor to, respond to and comply with any subpoena, warrant or other legal
order (“Legal Process”) that we believe to be valid. The Processor or any Financial Services Provider
may deliver or hold any funds or any Data as required under such Legal Process, even if you are
receiving funds or Data on behalf of other parties. Where permitted by Law, we will make reasonable
efforts to provide you notice of such Legal Process by sending a copy to the email address we have on
file for you. We are not responsible for any losses, whether direct or indirect, that you may incur as a
result of our response or compliance with a Legal Process.

Headings are included for convenience only, and shall not be considered in interpreting this Agreement.
The Agreement does not limit any rights that we may have under trade secret, copyright, patent or other
laws. Our failure to assert any right or provision under this Agreement shall not constitute a waiver of
such right or provision. No waiver of any term of this Agreement shall be deemed a further or continuing
waiver of such term or any other term.

Right to Amend
We have the right to change or add to the terms of this Agreement at any time, and to change, delete,
discontinue, or impose conditions on any feature or aspect of the Services or software with notice that
we in our sole discretion deem to be reasonable in the circumstances, including such notice on our
website at http://www.shopify.com, in your Shopify Admin on our website, or any other website maintained
or owned by us for the purposes of providing services in terms of this Agreement. Any use of the
Services after our publication of any such changes shall constitute your acceptance of this Agreement
as modified.

Assignment
This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you
without our prior written consent, but may be assigned by us without consent or other restriction.

Change of Business
You agree to give us at least thirty (30) days prior notification of your intent to change your current
product or services types, your business or trade name or the manner in which you accept payment. You
agree to provide us with prompt notification within three (3) days if you are the subject of any
voluntary or involuntary bankruptcy or insolvency application, petition or proceeding, receivership,
bankruptcy or similar action or proceeding initiated by or against you or any of your principals (any
of the foregoing, a “Bankruptcy Proceeding”). You also agree to promptly notify us within three (3) days
of any adverse change in your financial condition, any planned or anticipated liquidation or substantial
change in the basic nature of your business, any transfer or sale of 25% or more of your total assets or
any change in the control or ownership of your or your parent entity. You will also notify us within
three (3) days of any judgment, writ, warrant of attachment or execution, or levy against 25% or more of
your total assets.

You will include us on the list and matrix of creditors as filed with any bankruptcy, commercial or
civil court in connection with any Bankruptcy Proceeding, whether or not a claim may exist at the time
of filing. Failure to do so will be cause for immediate termination of this Agreement and shall allow
the pursuit of any other action available to us under applicable Payment Network Rules or law.

Parties
This Agreement binds you and your respective heirs, representatives, and permitted and approved
successors (including those by merger and acquisition) or any permitted assigns.

Third Party Services and Links to Other Web Sites
You may be offered services, products and promotions provided by third parties and not by us. If you
decide to use these Third Party Services, you will be responsible for reviewing and understanding the
terms and conditions associated with these services. You agree that we are not responsible for the
performance of these services. The Shopify website may contain links to third party websites as a
convenience to you. The inclusion of any website link does imply an approval, endorsement,
recommendation by us. You agree that your access to any such website is at your own risk, and that the
site is not governed by the terms and conditions contained in this Agreement. We expressly disclaim any
liability for these websites. Please remember that when you use a link to go from our website to another
website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website,
including those that have a link on our website, is subject to that website’s own rules and policies.

Force Majeure
No party will be liable for delays in processing or other non-performance caused by such events as fires,
telecommunications failures, utility failures, power failures, equipment failures, labor strife, riots,
war, terrorist attack, non-performance of our vendors or suppliers, acts of God, or other causes over
which the respective party has no reasonable control, except that nothing in this section will affect or
excuse your liabilities and obligations under Sections C1 or D5, including without limitation for
Reversals, chargebacks, Claims, Fines, Fees, Refunds or unfulfilled products and services.

Entire Agreement; Remedies
These terms and conditions and all policies and procedures that are incorporated herein by reference
constitute the entire agreement between you and Shopify with respect to the provision of the Services.
Except as otherwise set out herein, in the event of a conflict between this Agreement and any other
Shopify or Processor agreement or policy, this Agreement shall prevail on the subject matter of this
Agreement. Except as expressly provided in this Agreement, these terms describe the entire liability of
Shopify and our vendors and suppliers and sets forth your exclusive remedies with respect to the
Services and your access and use of the Services. If any provision of this Agreement (or portion
thereof) is held to be invalid or unenforceable under applicable law, then it shall be changed and
interpreted to accomplish the objectives of such provision to the greatest extent possible under
applicable law, and the remaining provisions will continue in full force and effect.

This Agreement has been reviewed by you with the benefit of independent legal counsel to the extent you
consider necessary, and any rule of construction to the effect that ambiguities are to be resolved
against the drafting party shall not apply to the construction or interpretation of this Agreement. The
rights conferred upon us in this Agreement are not intended to be exclusive of each other or of any
other rights and remedies we may have at law or in equity. Rather, each and every right we may have
under this Agreement, at law or in equity is cumulative and concurrent and in addition to every other
right.

Survival
In addition to any provision that is reasonably necessary to accomplish or enforce the purpose of this
Agreement, the following sections of this Agreement survive and remain in effect in accordance with
their terms upon the termination of this Agreement: Sections A6 Payment Methods, A8 Taxes, A10 Security,
A11 Data Security, A12 Audit Right, A13 Privacy, A14 Privacy of Others, A15 Restricted Use, A16
Suspicion of Unauthorized or Illegal Use, A17 Payment Network Rules, A18 Disclosures and Notices, A19
Automatic Reminders, Section C Processing Card Transactions and Receiving Your Funds in its entirety,
and Section D Termination and Other General Legal Terms in its entirety.